If I have a claim, what happens if I decide I want my own builder to do the repairs on my home?

We will always work with you to help you repair or rebuild your damaged property.

Where we can source a contractor to do the work, we will pay to have the work done to a standard that is "as new". And where we have authorised the repair to be done by a contractor, we will provide you with a lifetime guarantee on the repairs. If we can't source a contractor to do the work and we decide to provide you with a cash settlement to have the work done by your own builder, we will make sure the amount we pay you will be sufficient to have the work completed based on your builder's quote.

However if you decide you do not want us to arrange the repairs/rebuild on your behalf, we can provide you with a cash settlement based on what it would have cost us to have the repairs/rebuild done for you. You can then arrange your own repairs with your own builder, but the cash settlement amount may be less than it will cost you to arrange the repairs yourself. Also, the lifetime guarantee on the repairs does not apply in this situation.